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Home Refinance Loan Ratesin Kentucky
Looking to refinance your existing mortgage loan? Use ERATE®'s rate chart to compare today's top rates in Kentucky and find a lender that's the best fit for you. We recommend that you reach out to at least 2 to 3 mortgage lenders for your refinance loan to ensure you get the best rate and pricing.
(Last Updated: 04/22/2026)
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Lender
|
APR
|
Rate
|
Payment
|
Points
|
Fees
|
Loan Type
|
Contact details |
|---|---|---|---|---|---|---|---|
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| Lower your monthly mortgage payment with a streamlined refinance | View Details Sponsored
|
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|
5.812% APR | 5.625% Rate 30 day rate lock | $1,843 Payment per month |
0.000 Points$0 Points Fee
|
$6,667 Total Fees$6,667 Lender Fees
|
30 Years Fixed | |
|
5.949% APR | 5.875% Rate 30 day rate lock | $1,893 Payment per month |
0.507 Points$1,622 Points Fee
|
$2,672 Total Fees$1,050 Lender Fees
|
30 Years Fixed | |
|
6.017% APR | 5.750% Rate 30 day rate lock | $1,868 Payment per month |
0.801 Points$2,563 Points Fee
|
$9,363 Total Fees$6,800 Lender Fees
|
30 Years Fixed | |
|
6.049% APR | 5.990% Rate 30 day rate lock | $1,917 Payment per month |
0.637 Points$2,038 Points Fee
|
$2,038 Total Fees$0 Lender Fees
|
30 Years Fixed | |
|
6.066% APR | 5.990% Rate 30 day rate lock | $1,917 Payment per month |
0.813 Points$2,602 Points Fee
|
$2,602 Total Fees$0 Lender Fees
|
30 Years Fixed | |
|
6.072% APR | 5.990% Rate 30 day rate lock | $1,917 Payment per month |
0.881 Points$2,819 Points Fee
|
$2,819 Total Fees$0 Lender Fees
|
30 Years Fixed | |
|
6.095% APR | 5.990% Rate 30 day rate lock | $1,917 Payment per month |
0.787 Points$2,518 Points Fee
|
$3,613 Total Fees$1,095 Lender Fees
|
30 Years Fixed | |
|
6.128% APR | 6.000% Rate 45 day rate lock | $1,919 Payment per month |
0.750 Points$2,400 Points Fee
|
$4,395 Total Fees$1,995 Lender Fees
|
30 Years Fixed | |
|
6.213% APR | 6.125% Rate 30 day rate lock | $1,945 Payment per month |
0.934 Points$2,989 Points Fee
|
$2,989 Total Fees$0 Lender Fees
|
30 Years Fixed | |
|
6.218% APR | 6.125% Rate 30 day rate lock | $1,945 Payment per month |
0.591 Points$1,891 Points Fee
|
$3,186 Total Fees$1,295 Lender Fees
|
30 Years Fixed | |
|
6.233% APR | 6.125% Rate 30 day rate lock | $1,945 Payment per month |
0.842 Points$2,694 Points Fee
|
$3,689 Total Fees$995 Lender Fees
|
30 Years Fixed | |
|
6.460% APR | 6.375% Rate 30 day rate lock | $1,997 Payment per month |
0.888 Points$2,842 Points Fee
|
$2,842 Total Fees$0 Lender Fees
|
30 Years Fixed | |
|
6.502% APR | 6.375% Rate 30 day rate lock | $1,997 Payment per month |
0.866 Points$2,771 Points Fee
|
$4,266 Total Fees$1,495 Lender Fees
|
30 Years Fixed | |
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| Your home's value could help you save. | ||||||
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| Low rates, quick quote & approval | ||||||
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| Refi from your sofa. It’s surprisingly simple. | ||||||
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| Refinance to lower your rate | ||||||
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| Discover multiple refinance options | ||||||
PENNYMAC |
6.038% APR | 5.990% Rate 30 day rate lock | $1,917 Payment per month |
0.521 Points$1,667 Points Fee
|
$1,667 Total Fees$0 Lender Fees
|
30 Years Fixed | |
Updating Rates...
Rate data provided by RateUpdate.com. Displayed by Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes and insurance premiums. Actual payments will be greater with taxes and insurance included. Rate and product details.
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